Patents by Inventor Phil Kumnick
Phil Kumnick has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).
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Patent number: 11966924Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: GrantFiled: September 9, 2021Date of Patent: April 23, 2024Assignee: Visa International Service AssociationInventors: Phil Kumnick, Sonika Chandra
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Publication number: 20210406905Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: ApplicationFiled: August 27, 2021Publication date: December 30, 2021Inventors: Phil Kumnick, Sonika Chandra
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Publication number: 20210406906Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: ApplicationFiled: September 9, 2021Publication date: December 30, 2021Inventors: Phil Kumnick, Sonika Chandra
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Patent number: 11144925Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: GrantFiled: June 26, 2018Date of Patent: October 12, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Phil Kumnick, Sonika Chandra
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Patent number: 11132683Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: GrantFiled: April 25, 2018Date of Patent: September 28, 2021Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Phil Kumnick, Sonika Chandra
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Patent number: 11017393Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.Type: GrantFiled: April 20, 2018Date of Patent: May 25, 2021Assignee: Visa International Service AssociationInventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeffrey Kusheba
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Publication number: 20190012675Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: ApplicationFiled: June 26, 2018Publication date: January 10, 2019Inventors: Phil Kumnick, Sonika Chandra
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Publication number: 20180341949Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: ApplicationFiled: April 25, 2018Publication date: November 29, 2018Inventors: Phil Kumnick, Sonika Chandra
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Publication number: 20180253726Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.Type: ApplicationFiled: April 20, 2018Publication date: September 6, 2018Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
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Patent number: 9978063Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.Type: GrantFiled: September 24, 2014Date of Patent: May 22, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
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Patent number: 9978064Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: GrantFiled: December 31, 2012Date of Patent: May 22, 2018Assignee: VISA INTERNATIONAL SERVICE ASSOCIATIONInventors: Phil Kumnick, Sonika Chandra
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Publication number: 20150012346Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.Type: ApplicationFiled: September 24, 2014Publication date: January 8, 2015Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
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Patent number: 8924297Abstract: Embodiment of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.Type: GrantFiled: February 24, 2012Date of Patent: December 30, 2014Assignee: Visa International Service AssociationInventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba
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Publication number: 20130179346Abstract: A methods and system of hosted thin-client payment authorization and authentication services for processing payments for value-added service (VAS) providers is described. A method, performed by a host server operating a thin-client device, includes receiving transaction request data at a host server computer from a thin-client device, where the transaction request data can include financial account data and biometric data. The host-server transmits a verification request message to a VAS provider and receives an indication that it is a valid merchant. The host-server transmits an authorization request message comprising the biometric data to a payment processing network (PPN), where the PPN communicates with an authentication server computer to validate the biometric data, sends the authorization request message to an issuer and receives an authorization response message from the issuer.Type: ApplicationFiled: December 31, 2012Publication date: July 11, 2013Inventors: Phil Kumnick, Sonika Chandra
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Publication number: 20120221468Abstract: Embodiments of the invention are directed to passing a plurality of communications directly from a merchant to a payment processing network. A first communication may include payment information in an authorization request, while a second transaction may include non-payment transaction data. The communications may be linked with a transaction identifier. In other embodiments, a capture file process is disclosed where capture files are generated by the payment processing network, and transactions are subsequently cleared and settled.Type: ApplicationFiled: February 24, 2012Publication date: August 30, 2012Inventors: Phil Kumnick, Krishna Koganti, Davidson Wuichet, Lloyd Cato, Jeff Kusheba